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- Unconditional
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Expert Guidance and Customised Loan Options for Every Stage of Your Financial Journey
Embarking on the journey to your first home can seem daunting, but we're here to make it smooth and stress-free. Our expert mortgage brokers guide you from assessing your borrowing capacity to securing a suitable loan. With our support, navigating the complexities of home loans becomes straightforward, ensuring you start your homeownership journey on solid ground.
Who this is for: Aspiring homeowners purchasing their first property.
Pro Tip: Begin by determining your borrowing power with a mortgage pre-approval.
Buy Your First Home
Are you ready for a better mortgage deal? Our senior mortgage brokers are here to help you explore a wide range of refinancing options. We assist you throughout the process, from evaluating your current mortgage to securing a refinanced loan that offers better terms. Refinancing can lower your interest rate, consolidate debts, shorten your repayment term, and accelerate your path to being debt-free.
Who this is for: Homeowners looking to optimise their current mortgage.
Pro Tip: Start by reviewing your current mortgage terms and comparing them with current market rates.
Get a Better Rate
Do you envision transforming your home into your dream space? Our renovation loans are tailored to help you achieve that vision. Our skilled brokers will provide loan solutions that match your renovation plans, whether it’s a minor update or a major overhaul. We support you through the entire process, ensuring your renovation project is seamless and successful.
Who this is for: Homeowners planning home improvements.
Pro Tip: Create a detailed renovation plan and budget to present to potential lenders.
Renovate with Confidence
Looking to grow your investment portfolio? Our investment loans are designed to help you seize profitable opportunities in the property market. Our knowledgeable brokers will assist you in structuring loans to maximise returns while managing risks. Let us guide you in building wealth through strategic property investments.
Who this is for: Investors seeking to expand their property holdings.
Pro Tip: Begin with a clear investment strategy and financial goals.
Expand Your Portfolio
Unlock the potential of your home’s value with our home equity loans. Whether you're looking to make a significant purchase, consolidate debts, or fund a new project, our expert brokers will help you leverage your home’s equity. We provide personalised advice and flexible loan options to make your equity work harder for you.
Who this is for: Homeowners wanting to utilise their home equity for financial goals.
Pro Tip: Assess your home’s current value and outstanding mortgage balance to determine available equity.
Unlock Your Home's Potential
Why pay for Lenders Mortgage Insurance when you don’t have to? Our LMI waived loans can save you substantial costs, making homeownership more affordable. Our brokers specialise in securing loans that offer LMI waivers, especially for professionals in certain fields. Let us help you benefit from LMI-free loans and expedite your path to owning a home.
Who this is for: Professionals eligible for LMI waivers.
Pro Tip: Verify your eligibility for LMI waivers based on your profession and lender criteria.
Save on LMI Costs
Planning to buy a second property? Whether it’s for investment or a holiday retreat, our second home loans provide the flexibility and support you need. Our experienced brokers will help you manage the complexities of securing a second mortgage, ensuring you get the best terms and rates available.
Who this is for: Homeowners looking to purchase an additional property.
Pro Tip: Ensure your finances are in order to handle the expenses of a second home.
Secure Your Second Home
Moving from one home to another can be challenging, but our bridging loans provide a seamless solution. Designed to cover the financial gap between buying a new home and selling your current one, our brokers ensure you have the necessary funds when you need them. Let us simplify your move and make your transition smooth.
Who this is for: Homeowners transitioning between properties.
Pro Tip: Get a clear timeline for selling your current home and purchasing the new one.
Smooth Your Transition
Doctors have unique financial needs, and our home loans for doctors are designed to meet those needs with favourable terms and rates. Recognising the stability and earning potential of your profession, our expert brokers will help you secure a loan that aligns with your lifestyle and professional growth.
Who this is for: Medical professionals looking for tailored mortgage solutions.
Pro Tip: Provide proof of your medical qualifications and employment status to access special loan benefits.
Get a Doctor’s Home Loan
Lawyers require distinct financial solutions, and our home loans are crafted to match those needs. Offering competitive rates and flexible terms, our brokers understand the demands of your profession and will help you secure a loan that integrates seamlessly into your financial plan.
Who this is for: Legal professionals seeking mortgage options suited to their career.
Pro Tip: Gather documentation of your legal practice and income stability to strengthen your loan application.
Secure a Lawyer’s Home Loan
Engineers need precise and reliable financial solutions. Our home loans for engineers are designed to offer dependability and competitive terms. Let our knowledgeable brokers help you find a loan that fits your professional and personal goals, providing a solid foundation for your future.
Who this is for: Engineers looking for dependable mortgage solutions.
Pro Tip: Highlight your stable employment and future earning potential to access better loan terms.
Build Your Future with an Engineer’s Home Loan
As an accountant, financial planning is second nature to you. Our home loans for accountants provide tailored solutions with competitive rates and favourable terms. Our brokers are here to help you use your financial acumen to secure a loan that meets your needs.
Who this is for: Accountants seeking specialised mortgage options.
Pro Tip: Use your financial expertise to compare loan options and choose the best fit for your situation.
Finance Your Home with Confidence
Unlock the value of your home during your golden years with our equity release options. Designed for those aged 55 and over, our solutions provide the funds you need while allowing you to stay in your home. Our compassionate brokers will guide you through the process, ensuring your financial comfort and security.
Who this is for: Homeowners aged 55 and over looking to access their home equity.
Pro Tip: Evaluate your financial needs and future plans to determine the best equity release option.
Access Your Home’s Value
Ensure financial security in your retirement years with our retirement mortgage options. Our brokers specialise in finding solutions that offer stability and peace of mind, allowing you to enjoy your retirement without financial stress. Let us help you secure a mortgage that supports your lifestyle and future plans.
Who this is for: Retirees needing stable mortgage solutions.
Pro Tip: Plan your retirement budget carefully to understand how a mortgage fits into your financial plans.
Secure Your Retirement
If sustainability is important to you, our green home loans offer favourable terms for eco-friendly home improvements and purchases. Whether you’re building a new green home or upgrading your existing one, our brokers will help you secure a loan that aligns with your commitment to the environment.
Who this is for: Homeowners focused on sustainability and eco-friendly living.
Pro Tip: Research green building certifications and energy-efficient upgrades to qualify for green loan benefits.
Finance Your Green Home
Sophisticated investors need advanced strategies and expert guidance. Our brokers provide tailored financial advice and innovative loan solutions to help you maximise your investment returns. From complex loan structuring to strategic planning, we support your financial growth and success.
Who this is for: Experienced investors seeking advanced financial strategies.
Pro Tip: Start by defining clear investment goals and risk tolerance to develop a robust financial strategy.
Maximise Your InvestmentsOur experienced brokers have an industry-leading finance approval rate that will allow you to get your loan approved without difficulty or distress. You get to relax, knowing that your financial future is safe and secure in our hands.
With The Great Aussie Dream being your home, it’s the greatest investment of your life. Our #1 priority is to ensure your home is protected through correct finance structures that we have used on 1000’s of Australian home owners and property investors.
As many of you might know, Chris is our principle broker and founder of Unconditional Finance. Reach out to Mitchell today!
With an enormous amount of experience in the industry, as well as being an investor himself, Chris knows the importance of having loans tailed and structured in the most effective way, to allow our clients to grow their property portfolios over the long term, in line with their financial goals.
Chris has won a large number of awards and accolades over the years, including making the top 100 broker list multiple years in a row.
Outside of running the company, Chris spends his time with his wife and two young boys and loves watching sports!
Joel has been with us for the past 5 years and in that time has received an incredible amount of positive feedback from his clients.
As one of our senior mortgage brokers, Joel works with clients who are looking to build multi-property portfolios, specialising in setting up the correct structures to ensure the best possible long term outcome. He also specialises in working with those in the Australian Defence industry, where he knows all the in’s and out’s as to what benefits and schemes they are entitled to.
Outside of work, Joel enjoys golf, fishing and spending time with his friends and family.
Mitchell has been in the finance industry for over 6 years and has just recently joined the Unconditional Finance team, and boy are we lucky to have him!
As an avid property investor himself, Mitchell specialises in investment property finance, and is very good at helping our investor clients set up their loans correctly, to ensure the smooth and hassle-free growth of their portfolios.
In his spare time, Mitchell enjoys playing golf and tennis. If you’re looking to build up a sizeable property portfolio and need an expert broker on your side – reach out to Mitchell today!
Ivan is our amazing customer support manager and is quite new to the industry, he is very much enjoying learning the ins and outs of the finance world.
He is currently working alongside our senior brokers – Chris and Joel – where he provides post settlement services to our clients.
Ivan is very passionate about his job, and outside of work he is also equally passionate about keeping active with a variety of sports. He loves the beach and spending time with his friends and family on weekends.
With his level of enthusiasm you can be sure to see Ivan quickly working his way up the ranks in the world of finance.
Tylor is one of the newer members of the Unconditional Finance team, and already he is proving himself to be an absolute natural when it comes to navigating the tricky world of finance and lending.
In his spare time, Tylor likes to stay active by surfing and golfing and he enjoys going out and socialising with friends.
The main aspect of the loan process that Tylor will be helping you with, is the post unconditional stage – whereby our lender has fully approved your loan, and it’s time to purchase and settle on a property. This can be a very daunting stage, especially for first home buyers, which is why it’s always a huge relief to have a qualified expert like Tylor on your side.
Nicole brings a wealth of knowledge to the Unconditional Finance team, having been in the industry for the past 14 years. Reach out to Nicole (Finance Brocker) today!
Her area of expertise is helping our clients towards the end of the finance process, by facilitating settlements. Our clients often rave about Nicole’s amazing service, as she always goes out of her way to make sure the process is as smooth and simple as possible for the borrower.
Outside of work, Nicole enjoys going to the pub and is quite the social butterfly – a quality that is reflected in the friendly manner in which she communicates with our clients.
William has been in the finance industry since 2011, started his journey with Maquarie Bank, where he spent close to a decade gathering a wealth of knowledge in home loans department.
We were lucky enough to have Will join the Unconditional Finance team about a year ago, as he provides our team with extensive knowledge of the various processes and procedures within banks. This knowledge allows him to tailor our client’s loan applications, ensuring a smooth process from submission to unconditional approval.
Outside of work, Will spends his much-deserved time off reading crime and mystery books, playing PlayStation and binging TV shows. He is very family-orientated and loves spending quality time with his loved ones.
Stephanie has recently joined the Unconditional Finance, but has been in the banking & finance industry for 13 years, across many roles including credit analyst, mortgage broker, manager & trainer.
With her vast wealth of knowledge and experience, Stephanie has made an excellent addition to our team.
Outside of work, she loves to spend time with her husband and three boys, enjoys a good wine and cheese platter while watching the footy, and loves a good reformer Pilates session!
Jade is our newest Settlements Officer, joining our team earlier this year – however she has had over 4 years’ experience in the finance industry, having worked across various roles.
Jade is an absolute wiz when it comes to building positive relationships with our clients and ensuring they have a smooth settlement process.
Outside of work, Jade loves taking her sausage dogs on adventures and exploring new hikes and coastal walks with them.
Ryan started working with us back in September 2021, at the beginning levels of our traineeship and has recently taken on the role of Credit Analyst after proving himself to be a fast learner.
We’ve also given him the unofficial title of office IT guy after he has come to the rescue any time we’ve had a tech issue.
Outside of work Ryan likes to spend time watching and playing sport or sharing quality time with his partner, friends and family.
Loans By Profession
